A COLLECTION AGENCY IS HARASSINGME ALSO FILED A CIVIL JUSDGEMENT AGAINST ME, WANTING ME TO PAY THEM VIA A SAVING ACCOUNT, KEEP T

This conduct may violate the federal Fair Debt Collection laws and/or your state consumer protection statutes. Contact a consumer attorney using...

Do I need an attorney, if so, what kind, to assist settling debts?

I don't think settling these debts is realistic. Paying old bills will do nothing to improve your credit. Excess equity in a car is easily dealt...

I cannot imagine this is real. This type of behavior violates consumer protection laws, but it is also a classic indication that the callers are...

You could bring this to the attention of the United States Trustee in your area. They investigate and prosecute bankruptcy fraud, but it sounds...

I took out several payday loans, and unfortunely I found myself in a web full of payday loan debt, I signed with a payday loan

Scams like this are rampant in the pay day collection industry. However the debt assist program you are in is protect by the court, so collection...

Bankruptcy

A fresh start is possible, having insurance and keeping your kids active is not a luxury by any means. Consult with an experienced attorney in...

They are asking if you have ever filed for bankruptcy protection. I would suggest that the answer is Yes in your situation.

If you are separated can you file bankruptcy together? If most of your debt is from the marriage?

Technically yes you can file bankruptcy with someone to whom you are married, but separated. However a joint Chapter 13 bankruptcy typically...

The original creditor is the plaintiff, who can assign the debt for collection and/or retain counsel for the purpose of collection. I don't see...

Where can I information about collections practices. I believe the landlord and collections agency are violating my rights.

I do not agree that a landlord must take you to court and get a judgment before sending an unpaid bill to collections. A list of consumer...